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Cedar Falls, Iowa eviction risk overview
Ranked #1,289 of 1,865 nationally

Cedar Falls, IA Eviction Risk: LOW

Black Hawk County · Population 40,888

In 2026
Risk score
2.6
LOW

74th percentile, Iowa.

50-yr Eviction Risk Score history

1976 to 2026 · climbing fast since 2010

Min2.2 Average2.7 Now2.6
3.9 2.2 1976 · score 2.2 1977 · score 2.2 1978 · score 2.2 1979 · score 2.3 1980 · score 2.4 1981 · score 2.3 1982 · score 2.4 1983 · score 2.3 1984 · score 2.3 1985 · score 2.3 1986 · score 2.3 1987 · score 2.2 1988 · score 2.8 1989 · score 2.8 1990 · score 2.9 1991 · score 3.0 1992 · score 2.9 1993 · score 2.8 1994 · score 2.8 1995 · score 2.8 1996 · score 2.7 1997 · score 2.7 1998 · score 2.7 1999 · score 2.7 2000 · score 2.6 2001 · score 2.6 2002 · score 2.6 2003 · score 2.6 2004 · score 2.5 2005 · score 2.5 2006 · score 2.4 2007 · score 2.4 2008 · score 2.9 2009 · score 3.1 2010 · score 3.1 2011 · score 3.1 2012 · score 3.0 2013 · score 3.0 2014 · score 3.0 2015 · score 3.0 2016 · score 2.9 2017 · score 2.8 2018 · score 2.8 2019 · score 2.7 2020 · score 3.7 2021 · score 3.9 2022 · score 3.0 2023 · score 2.7 2024 · score 2.6 2025 · score 2.6 2026 · score 2.6

Key metrics

Time machine

Scrub 50 years

2026
● LIVE · today ◀ REPLAY · historical

Nine-axis profile

9-axis profile · today

Shape of the risk surface

1 landlord · 10 tenant
Local 5.9 Regional 5.9 State 2.3 Economic 6.0 Supply 7.5 Rent Control 8.2 Eviction 2.0 Tenant 7.8 Housing 7.6 2.6 LOW
Sub-scores · with sparkline

Where the score comes from

1 → 10 scale
  1. Local political climate
    Dem margin +1.2% (2024)
    5.9
  2. Regional political climate
    County-weighted neighbor mix
    5.9
  3. State political climate
    Iowa legislature & governorship
    2.3
  4. Economic stress
    15.6% poverty · 3.2% unemp.
    6.0
  5. Supply constraint
    $1,203 average · 36.0% renters
    7.5
  6. Rent Control risk
    34.1% of income on rent
    8.2
  7. Eviction process difficulty
    43 days filing → judgment
    2.0
  8. Tenant organizing strength
    36.0% renters
    7.8
  9. Housing court bias
    County bench composition
    7.6
Geographic context

Risk heat across Cedar Falls and the region

Click any city to see its score

How Cedar Falls compares

Risk score vs. peers, county, state, and the U.S.
Rank in Black Hawk County
Elevated
#5 of 10 cities
Rank in county, 56th percentileLowHigh
#5 of 10 cities in Black Hawk County for landlord eviction risk.
Rank in Iowa
Elevated
#285 of 1,026 cities
Rank in state, 72nd percentileLowHigh
#285 of 1,026 cities in Iowa for landlord eviction risk.
vs. county · state · U.S.
Cedar Falls risk score vs. county / state / U.S.Cedar Falls: 2.62.6Cedar FallsThis cityCounty: 2.72.7Countyavg in countyState: 2.62.6Stateavg in stateU.S.: 4.74.7U.S.national avg
Score story

Six-stop tour of the risk profile

  1. 2.6
    / 10 · LOW
    The verdict

    A Low-tier market.

    Composite 2.6/10. Mid-range market; standard documentation usually wins. The 50-year curve shows a slow, steady climb.

    50-yr trend+0.4 over 50 yr
    197620012026

    Steady ratchet · no large swings

  2. 43d
    Typical timeline
    The money

    What renting (and evicting) looks like.

    Rent published at $1,203/mo. A contested eviction takes 43 days and costs $1,599–$4,450 per case.

    50-yr trendCalendar drag rising since '15
    197620012026

    Court-clerk data lands in the next release.

  3. 36.0%
    Renters
    The renters

    Who you'll be renting to.

    Out of 40,888 residents, 36.0% rent. 34% are spending 30%+ income on rent, 15.6% below the poverty line.

    50-yr trendRenter share rising
    197620012026

    ACS 1970-present · once the migration overlay is in.

  4. 5.9
    Local + regional
    The politics

    Mid-range climate. Not a coastal market.

    Local & regional political climate score 5.9 and 5.9 (Dem margin +1.2% (2024)). State climate at 2.3, a mid-range statehouse.

    50-yr trendTracks county vote margin
    197620012026

    Built on 50-yr presidential margins back to 1976.

  5. 2.3
    State politics
    The process

    Moderate calendar, moderate friction.

    State political climate 2.3/10 sets the legislative ceiling for landlord remedies, and it shows up in the process. Eviction process difficulty reads 2, housing court bias 7.6, rent-control risk 8.2. Standard process speed for the state.

    50-yr trendProcess difficulty +-3.0 since '00
    197620012026

    Court-clerk data lands in the next release.

  6. 6
    Economic stress
    The stress

    Economic pressure is the background risk.

    Economic stress: 6. Supply constraint: 7.5. The numbers behind those: 15.6% poverty, 3.2% unemployment, 34% of income on rent.

    50-yr trendTwo visible dips · '08 + COVID
    197620012026

    Mirrors BLS unemployment series.

US eviction landscape · timeline × all-in cost

Cedar Falls sits in the quick & cheap quadrant

Bubble size = population · color = risk score
QUICK BUT COSTLY fast docket · high all-in loss SLOW & EXPENSIVE long calendar · high all-in loss QUICK & CHEAP fast docket · low all-in loss SLOW BUT CHEAP long calendar · low all-in loss 30d 50d 75d 100d 150d 200d 300d 450d $2.0k $3.0k $5.0k $7.5k $10k $15k $20k $30k EVICTION TIMELINE (DAYS) → ↑ ALL-IN COST (LOG SCALE) Waterloo, IA · 44d · ~$2.7k all-in ($62/day) · score 2.8 Waterloo Des Moines, IA · 41d · ~$2.8k all-in ($68/day) · score 2.6 Des Moines Cedar Rapids, IA · 44d · ~$3.0k all-in ($68/day) · score 2.4 Cedar Rapids Davenport, IA · 43d · ~$2.5k all-in ($58/day) · score 2.6 Davenport Sioux City, IA · 47d · ~$2.7k all-in ($58/day) · score 2.5 Sioux City Iowa City, IA · 43d · ~$2.9k all-in ($69/day) · score 2.8 Iowa City Ankeny, IA · 46d · ~$2.5k all-in ($55/day) · score 2.3 Ankeny West Des Moines, IA · 44d · ~$3.0k all-in ($68/day) · score 2.3 West Des Moines Ames, IA · 44d · ~$2.8k all-in ($64/day) · score 2.9 Ames Council Bluffs, IA · 41d · ~$3.0k all-in ($73/day) · score 2.6 Council Bluffs Houston, TX · 24d · ~$2.5k all-in ($103/day) · score 2.8 Houston Phoenix, AZ · 38d · ~$3.3k all-in ($86/day) · score 2.8 Phoenix Memphis, TN · 31d · ~$2.0k all-in ($66/day) · score 3.1 Memphis Atlanta, GA · 40d · ~$2.8k all-in ($69/day) · score 3.4 Atlanta Boston, MA · 187d · ~$20.3k all-in ($109/day) · score 7.1 Boston Chicago, IL · 109d · ~$9.0k all-in ($82/day) · score 5.7 Chicago New York, NY · 417d · ~$29.5k all-in ($71/day) · score 9.7 New York Seattle, WA · 162d · ~$12.7k all-in ($79/day) · score 7.9 Seattle Cedar Falls
Cedar Falls · 43d · ~$3.0k all-in ($70/day) · score 2.6 National average: 58d · $4.6k all-in Hover any bubble for stats · click to open Color: 0–4   4–7   7–10
00Overview

About eviction risk in Cedar Falls, IA

Landlording in Cedar Falls, Iowa, presents a manageable operating environment for documented landlords. The Eviction Risk Score is 2.6/10 (LOW tier), drawn from the nine sub-axes shown above, covering rent-control exposure, eviction-process difficulty, housing-court bias, tenant-organizing strength, supply constraint, economic stress, and local, regional, and state political climate. This is not a quick-fix market: it's a Mid-tier market where lease drafting, screening discipline, and well-documented notices materially change outcomes.

Cedar Falls is a city of 40,888 residents where 36.0% of occupied units are renter-occupied, and the typical renter spends 34.1% of income on rent. At an average rent of $1,203/month, the typical renter household here spends more than the federal 30% threshold on housing, a leading indicator of payment volatility and a precondition for the kinds of tenant defenses that show up most often in housing court.

01Process

How Cedar Falls eviction process actually works

Eviction process difficulty here reads 2/10, a number that combines statutory complexity (notice categories, just-cause rules, mandatory pre-filing disclosures) with operational realities (court calendar length and clerk responsiveness). The typical contested filing in Cedar Falls closes 43 days after the initial notice. For non-payment of rent the first step is a properly-formatted, properly-served pay-or-quit notice; for material lease breaches it's a cure-or-quit; for tenancies under just-cause protection an at-fault grounds notice (or a no-fault notice with statutory relocation assistance) is required.

The slow part of Cedar Falls's timeline is usually the calendar, not the motion practice. Housing court bias scores 7.6/10 here, meaning judges read borderline procedural defects in the tenant's favor more often than the national norm. The practical implication: every notice and every proof of service needs to be airtight before it gets filed.

02Cost

What it costs (and how long it takes)

An all-in eviction in Cedar Falls runs $1,599 to $4,450 per case once you account for filing fees, attorney time, lost rent during pendency, sheriff lockout, and unit turnover. That range is wide because the upper bound assumes a tenant answer plus motion practice, common when housing court bias is high. The lower bound assumes a default judgment after proper service.

For landlords running the numbers on holding costs vs. cash-for-keys: if your projected timeline times your monthly rent already exceeds the high-end cost number, cash-for-keys at 1–2 months' rent is typically the economically rational choice. With 43 days of typical timeline and $1,203/month in lost rent, that crossover happens fast here.

03Operations

Security deposits, screening, and lease terms

Tenant organizing strength scores 7.8/10 in Cedar Falls, and the city sits at the top of the rent control risk spectrum (8.2/10). Operations practice that survives audit in this environment looks like:

  • Screening discipline. Document income (verified at 2.5 to 3x rent), credit (with a clear minimum), and prior-tenancy reference checks, but do not screen on protected categories or source-of-income where banned. Keep a written, consistent screening criteria document for every applicant.
  • Lease specificity. Use a state-specific lease that names every term clearly: rent due date, late fees within statutory caps, deposit handling, smoke and CO disclosure, lead paint disclosure (pre-1978 stock), and a clean attorney's-fees clause.
  • Security deposit handling. Itemize deductions within the statutory window. Photograph move-in/move-out condition. In Iowa, deposit cap and refund window are statute, so exceed them at your own risk.
  • Mid-tenancy documentation. Keep date-stamped records of every rent receipt, every habitability request, every notice served. The day you need them in court is too late to start.
04Strategy

What an everyday landlord should actually do here

If you own one to four units in Cedar Falls: hire a property manager who knows the local court. The pricing differential between self-managing and hiring out is small relative to the cost of one botched eviction in a LOW tier market. If you own five or more: build relationships with a local landlord-side attorney before you need one, since retainer fees are negligible compared to emergency-rate billing when an eviction is already moving.

The avoidable mistakes here are all upstream of the filing: weak screening, an informal lease, sloppy rent receipts, and notice templates pulled off the internet that don't match Iowa's statutory language. Fix those four, and most cases settle or default. Skip them, and a $4,450 all-in fight is the realistic worst case.

04bPractical traps

Local traps to avoid in Cedar Falls

Trap · PRACTICAL TRAP
Compare Cedar Falls to neighboring cities in Black Hawk County via the grid below. The 5.9/10 score is computed from nine sub-factors plus a state-law multiplier under Iowa Code 562A URLTA. Black Hawk County 2020 presidential margin: D+9. Cross-reference the state overview link in the guides section for Iowa statutory detail.
05FAQ

Frequently asked questions

Q1

Can I evict a tenant in Cedar Falls without a lawyer?

Yes, you can represent yourself in Iowa's small claims court for evictions. However, given Cedar Falls' elevated risk factors like housing-court bias (7.6/10) and tenant organizing strength (7.8/10), it's often prudent to hire an attorney. They can navigate legal technicalities and ensure proper procedure, which can save you time and money if the tenant tries to fight the eviction.

Q2

How long does an eviction typically take in Black Hawk County?

The typical eviction timeline in Cedar Falls (and Black Hawk County) is 43 days from the initial notice to the tenant's removal. This is an average; complex cases, tenant defenses, or court backlogs can extend this period significantly.

Q3

What are the biggest mistakes landlords make during an eviction in Cedar Falls?

Common mistakes include improper notice (e.g., wrong notice period, incorrect service), attempting self-help eviction (changing locks, turning off utilities), failing to properly document communications or lease violations, and not being prepared with evidence in court. Any of these can lead to delays or dismissal of your case.

Q4

Is there rent control in Cedar Falls?

No, there is no rent control in Cedar Falls or anywhere else in Iowa. The state has a ban on rent control, as reflected in the high rent-control-risk sub-score (8.2/10) which indicates the *potential* for future legislative changes, but currently, landlords are free to set market rates. See our Iowa rent control rules for more.

Q5

How much can I charge for a security deposit in Cedar Falls?

In Cedar Falls, you can charge up to 2.00 months' rent for a security deposit. For a average rent of $1,203/month, this means a maximum of $2,406. You must return the deposit or an itemized statement of deductions within 30 days after the tenant moves out.

06Score

What this score means for landlords2

A 2.6/10 places Cedar Falls in the 74th percentile of Iowa cities on the Eviction Risk Score index. The score is the average of the nine sub-axes, all calibrated on a national 1 to 10 scale where 1 is most landlord-friendly and 10 is most tenant-protective. The 50-year reconstruction shows this score has climbed steadily since 1976, a structural drift driven by court-calendar growth, rent-control adoption, and the rise of tenant-side legal aid. The trajectory matters more than the snapshot: the score is the climate, not the weather.